:root { color-scheme: light; --paper: #f8f5ef; --base: #e8e4dc; --ink: #282622; --muted: #68635c; --gold: #b97819; --dark: #30383a; }
* { box-sizing: border-box; }
html { background: var(--base); }
body { margin: 0; color: var(--ink); background: linear-gradient(180deg, #ddd9d1 0, var(--base) 260px); font-family: "DM Sans", Arial, sans-serif; }
.page-shell { width: min(100% - 40px, 980px); margin: 0 auto; padding: 24px 0 72px; }
.page-top { min-height: 58px; display: flex; align-items: center; justify-content: flex-end; margin-bottom: 54px; border-bottom: 1px solid rgba(39, 37, 34, .18); }
.back { color: inherit; text-decoration: none; font-size: .82rem; font-weight: 600; letter-spacing: .02em; }
.back:hover, .back:focus-visible { color: var(--gold); }
.page-heading { max-width: 790px; margin-bottom: 52px; }
.eyebrow, .card-label { margin: 0; color: #8d642d; font-size: .7rem; font-weight: 600; letter-spacing: .19em; }
h1, h2, h3, p { overflow-wrap: break-word; }
h1 { margin: 13px 0 20px; font: 500 clamp(2.35rem, 5vw, 4rem)/1.06 "Playfair Display", Georgia, serif; letter-spacing: -.03em; }
h1 em { color: var(--gold); font-weight: 500; }
.intro { max-width: 680px; margin: 0; color: var(--muted); font-size: clamp(1rem, 1.6vw, 1.15rem); line-height: 1.65; }
.simple-answer { display: grid; grid-template-columns: 70px 1fr; gap: 28px; padding: 38px 42px; background: var(--dark); color: #f7f4ee; box-shadow: 0 18px 48px rgba(44, 42, 38, .14); }
.number { color: #d5a45b; font: 500 2rem "Playfair Display", Georgia, serif; }
.simple-answer h2, .section-heading h2, .attention h2 { margin: 0 0 16px; font: 500 clamp(1.45rem, 2.5vw, 1.9rem)/1.22 "Playfair Display", Georgia, serif; }
.simple-answer p { margin: 0 0 12px; color: #e7e2da; font-size: 1rem; line-height: 1.75; }
.simple-answer p:last-child { margin-bottom: 0; }
.simple-answer strong { color: #f4c77d; }
.role-section, .comparison { padding-top: 70px; }
.section-heading { max-width: 650px; margin-bottom: 28px; }
.section-heading h2 { margin-top: 9px; font-size: clamp(1.65rem, 3vw, 2.25rem); }
.role-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.role-card { min-height: 205px; padding: 28px; background: var(--paper); border: 1px solid rgba(39, 37, 34, .14); }
.role-card span { display: block; margin-bottom: 30px; color: var(--gold); font-size: .75rem; font-weight: 600; }
.role-card h3, .comparison-card h3 { margin: 0 0 10px; font: 500 1.15rem/1.3 "Playfair Display", Georgia, serif; }
.role-card p, .comparison-card p, .together, .attention p, .page-footer p { margin: 0; color: var(--muted); font-size: .94rem; line-height: 1.7; }
.comparison-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.comparison-card { padding: 30px; border: 1px solid rgba(39, 37, 34, .15); }
.lender-card { background: #f8f5ef; }
.agent-card { background: #ded8cd; }
.comparison-card .card-label { margin-bottom: 22px; }
.comparison-card h3 { font-size: 1.3rem; }
.together { padding: 20px 28px; border: 1px solid rgba(39, 37, 34, .15); border-top: 0; background: rgba(248, 245, 239, .55); }
.attention { display: grid; grid-template-columns: 46px 1fr; gap: 24px; align-items: start; margin-top: 70px; padding: 32px 34px; border-left: 3px solid var(--gold); background: var(--paper); }
.attention-mark { width: 42px; height: 42px; display: grid; place-items: center; border: 1px solid var(--gold); border-radius: 50%; color: var(--gold); font: 600 1.1rem "DM Sans", sans-serif; }
.attention h2 { margin-bottom: 8px; font-size: 1.4rem; }
.page-footer { margin-top: 40px; padding-top: 24px; border-top: 1px solid rgba(39, 37, 34, .18); }
.page-footer p { font-size: .82rem; }
.page-footer .disclaimer { max-width: 780px; margin: 7px auto 0; color: #77716a; text-align: center; }
@media (max-width: 650px) {
  .page-shell { width: min(100% - 24px, 980px); padding-top: 8px; }
  .page-top { min-height: 52px; margin-bottom: 40px; justify-content: flex-start; }
  .back { font-size: .75rem; }
  .page-heading { margin-bottom: 38px; }
  .simple-answer { grid-template-columns: 1fr; gap: 8px; padding: 28px 24px; }
  .role-section, .comparison { padding-top: 54px; }
  .role-grid, .comparison-grid { grid-template-columns: 1fr; }
  .role-card { min-height: 0; padding: 24px; }
  .role-card span { margin-bottom: 18px; }
  .together { border-top: 1px solid rgba(39, 37, 34, .15); }
  .attention { grid-template-columns: 1fr; gap: 14px; margin-top: 54px; padding: 27px 24px; }
}